IDFC FIRST Hello Cashback
IDFC FIRST Bank · Visa
IDFC FIRST Hello Cashback is a lifetime-free credit card with cashback on select categories, designed for daily urban spenders.
Annual Fee
Free
Joining Fee
Free
Base Reward Rate
2X
₹1/pt
Min CIBIL
650
₹2L+ income
Key Features
Welcome Benefits
Lifetime Free Card
Zero joining fee and zero annual fee — no conditions or annual spend required
Welcome Cashback on First Spend
Earn welcome cashback on your first transaction within 90 days of activation
Reward Rates by Category
Dining
3X
Travel
2X
Online
3X
Shopping
2X
Grocery
2X
Fuel
1X
Utilities
1X
Other
2X
Partner Earn Rates
| Partner | Category | Earn Rate |
|---|---|---|
| All Online Merchants | Online Shopping | 5X |
| All Offline Merchants | Offline | 2X |
| Birthday Spends | All | 10X |
Airport Lounge Access
Domestic
0 visits/year
International
0 visits/year
Insurance & Protection
Personal Accident Cover
Accidental death cover
Zero Liability
Report promptly
Pros
- Lifetime free — zero annual fee
- Cashback on dining and shopping
- IDFC FIRST app management
- Quick approval
- Easy for beginners
Cons
- No lounge access
- Limited rewards outside select categories
- Basic card for entry-level users
Frequently Asked Questions
Is Hello Cashback card free?+
How much cashback online?+
Is cashback automatic?+
Do points expire?+
Good for everyday use?+
Ready to apply?
Apply on the IDFC FIRST Bank website. Usually takes 10 minutes.
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IDFC FIRST Hello Cashback
Free · 2X rewards
We may earn a commission if you apply via our link — no extra cost to you.
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